Butte semi-weekly miner. [volume] (Butte, Mont.) 1886-1890, 1887-05-28

the sand is too poor to make into glasS.-New
York Tribune.
A BANK ACCOUNT. y
USEFUL HINTS TO PEOPLE WHO
KEEP MONEY ON DEPOSIT.
How to Guard Against Fraud or Mistake
in Business TransactiOns-Check BOOK
and Substituting Up the Bank Book.
Checks as Receipts.
The custom of the banks, when it is decided
to open an account with customer, is to re-
quire the customer to write his name in
book, kept for that purpose, at the time the
account is opened. The obvious reason is to
guard against fraud or mistake in all subse-
quent transactions in which the bank has to
determine the genuineness Of the customers
signature. II the genuineness of check pre-
sented for payment to the paying teller issus-
pected, the signature may be compared at
once with that recorded with the bank, as has
been stated, and thus its validity be deter
mined.
In opening an account with a bank the Gus
toner is furnished by the bank with a book
in which is entered on the left hand, CIR credit,
page tho amount deposited by him. All sub
sequenf deposits are entered in the book, with
the date, respectively, of each DEF osit. Az
the time of opening an account the bank will.
generally, furnish the customer with check
book containing twenty-five or more checks,
and for this no charge is made. Persons wish.
ing to have nicely engraved checks can get
them, hut q charge is usual in such cases,
though the amount will not exceed seventy.
6ve cents for book of like number OF
checks. At the same time the bank will also
furnish to the customer sufficient number OF
"tickets," which are small pieces of paper
containing at the head a blank for the per-
sons name to be inserted, also blank for tho
date, and below the words "checks" and
"cash." Whenever a deposit is made the de-
positor fills up ticket, giving his name and
the date, nd>writing in the column against
the words "check" and "cash" the amount Of
each, respectively, deposited. These tickets
should always accompany the bank book
when a depos It is made. They are kept on
file by the bank, and serve as vouchers for
Doth the bank and the depositor. from which
the accuracy of the account may be deter
mined, if the question should arise ut any
time as to tho amount, the time and the ma
ture of any deposit.
A moments examination of the check book
..ill sc + the depositor the method
of drawing heck. 1t will he observed,
6rst, that every check is numbered in its
order. generally upon the upper left hand
corner Again, the place to tear off check
is indicated ly the perforated line. When
torn off at this line the part remaining in the
book is called the stub"
A check il merely an order on . bank to
Pay the pa.Ae-- 1900! in the chick c. tain
sum Of money. It will he obvious to any o.s-=
who is about to draw his check that it should
be dated, and the name Of the payee, or per-
son in whose favor it is drawn, should be in
serted in the body of the check; that tie
amount to be paid should be written in, and
also indicated by figures after tue dollar sign,
and that the check should be signed by the
drawer at the place indicated. check should
always be drawn with great care and &C
curacy.
The stubs, to which reference has been
made, are an important part of check book,
as they contain a complete record, if properly
kept, of all transactions with the bank. They
are transcripts of all checks drawn from time
to time, and show the numbers, amounts, tho
dates and the names Of the payees, respectively.
In drawing checks filling up the stubs should
never be omitted. 1t is not only important
for the reasons stated, but is vastly important
in determining the state of the account. By
adding together the several amounts found In
the stubs it is obvious that the amount drawn
from the bank may be readily determined.
This amount deducted from the amount de-
posted, which will appear in the bank book,
will show the amount standing to the credit
of the depositor. A gentleman, for the sake
of convenience, once took out of his check
book number of blank checks, which he
carried in his pocket, in order that he might
use them at any time. lie used them all, but
neglected TO keep all account of them, as hs
would have done had he had the stubs before
him, when, to his dismay, he was one day
notified by the bank that lis account was
overdrawn. Small checks. like small and
frequent accounts at store, make terrible
inroads upon ones bank account, and it is
well to watch them closely.
A bank book should be regularly and fre.
quently written up" particularly when
checks have been frequently drawn. This is
done at the bank ~ bookkeeper, who enters
in the bank book the amount shown by the
customers account to have been paid from
time to time. These amounts are compared
with the checks drawn to insure accuracy.
When thus transcribed into the customers
book. the amount is found and subtracted
from the amount deposited, and the balance
carried to new account. The checks are
returned to the customer with his book when
it is written up, and are the customers
vouchers. He may compare them with the
stubs in his check book and determine
whether they correspond in amount and are
correct. It is well to keep these checks. In
many cases they serve as receipts for bills
paid. They are receiptA A check is given,
for instance, to the dressmaker for her bill;
it is payable to her order. Before she can
get the money upon it she must indorse it;
that is, write her name across the back.
When returned by the bank to the drawer
with such Endorsement it shows that the
check has been presented by her and paid.
and it then becomes receipt, or what -
equivalent to one.-Demorest's Monthly.
Tho Short Hatr Craze.
The short hair craze died some time ago,
but the disease has broken out again, and the
headachey danes, married coquets and
girls who go the pace have taken up the fad
again. The regular "close cut" is ordered,
and then follows coiffure La Cupid. This
consists in having what is called a steam
curl, the process being the came as that en-
ployed by barberz n turning the mustacne
ends of club men. An improved curler
heated by steam is used in the operation, con-
suming an hour or SO. The curls are short,
close, but thick little ringiets exactly like
those that the sculptors have identified the
blind boy with. Only fifty cents is charged
for the dressing, which is remarkably cheap,
considering the tenacity of the curls. Think
of curls for three weeks retailing at fifty
cents-curls, too, that women can sleep in,
and look pretty in. which is best Of all feat
ures. No dressing is needed to keep the head
slightly.
When the fair damsel arraages her toilet
after getting in and out Of numberless skirts,
ii Is only necessary to run a rack comb dag
onally through the lanky tresses to have them
As roguish and graceful as though twistedsby
natures own curling iron. Indeed, the c:r's
are improved by much tossing and blowing
oLo,,t o,,J kl,a II &c hol v,rottv and onv